Voya Behavioral Finance Institute for Innovation

With a vision to be America’s Retirement Company®, we don’t just innovate. We innovate with a purpose.

Through The Voya Behavioral Finance Institute for Innovation, Voya Financial is focused on gaining deeper insights into the decisions of Americans regarding their financial and retirement planning activities. The Institute will lead a series of pioneering studies and test a number of novel concepts that could translate into large-scale solutions capable of helping Americans retire better. The Institute supports Voya’s broader mission to make a secure financial future possible - one person, one family, one institution at a time.

What Makes theInstitute Different?

The Institute’s work will be differentiated by its ability to merge behavioral science and retirement outcomes with the speed and scale of the digital world. By partnering with world-renowned behavioral scientists and academic experts, our organization will be positioned at the forefront of the latest research.

The Digital Fiduciary: Overseeing Retirement Plans in the Digital Age

In the digital age, retirement security often depends more on fast decisions made on digital devices (and the designs that influence them) than on investment performance. Given the power of digital design, there are seven actionable steps for plan sponsors and advisors to consider

Can Small Digital Design Enhancements Improve Retirement Outcomes?

If a company is looking to improve participant savings, and an individual's long-term retirement security, as well as overall plan engagement, making small digital adjustments to an enrollment website can be a powerful strategy.

Voya research shows opportunity to push defaultsavings rates much higher in retirement plans

While many employers have not focused on higher contribution rates with their employees, our latest study finds that these opportunities are largely underutilized.Go behind the science to understand how millions of American workers may benefit from higher suggested rates.

Voya CEO of Retirement and Employee Benefits, Charlie Nelson, sits down with UCLA professor Shlomo Benartzi, to discuss the potential influence that digital design can have on retirement savings decisions, and the emerging opportunity that plan sponsors and advisors have to become a "digital fiduciary" for the retirement plan.

Meet our Institute Leaders & Partners

Voya Thought Leadership

In the Media

What do others think of the Institute? See how the industry is taking notice.*

*These articles are available by linking to a third-party website which may require your registration to access the full article. Voya does not endorse nor accept responsibility for the content on third-party websites.